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February 12, 2008
FDIC Suggests Banks Should Be Regulated Over High ATM Surcharge Fees
Analysis of: ATM Fees Need Harder Look: FDIC's Bair | www.reuters.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
From 1969-1996 ATMs were owned exclusively by banks and in 1996, the major networks Plus and Cirrus lifted their ban on surcharging and since that time three trends have emerged: 1. banks began "double dipping," charging a surcharge fee for non-customers and charging their own customers' a "foreign...
Dave HillmanFebruary 11, 2008
Is Newsprint Consolidation The Key To Profits?
Analysis of: White Birch Paper to Buy SP Newsprint Company | www.paperage.com
Author: Dave Hillman, Independent Consultant, Dave Hillman
Abitibi-Bowaters has recently shut down four newsprint mills: one in New Brunswick, two in Ontario and one in British Columbia.  Catalyst has shut down one machine as have several other major producers.  Will this be enough to bring supply in balance with demand? 85% of newsprint production...
February 4, 2008
Virtualization: Hot Technology for 2008
Analysis of: Virtualization: Hot Technology for 2008 | www.networkworld.com
Author: GLG Expert Contributor
Virtualization will help reduce the strain put on Data Centers by reducing power, air condition and space requirements.   What impact will it have on hardware producers as hardware becomes software?
Charles IrschJanuary 29, 2008
No Suprise Here
Analysis of: TOUSA Files for Chapter 11 Bankruptcy | www.bigbuilderonline.com
Author: Charles Irsch, Principal, 10point2 Consulting
This event has been months in the making, ever since restructuring experts were brought in last fall. The question is, are there more Top 25 builders headed down the same path? 
January 28, 2008
Are Companies Really Going to be Adopting These Technologies/Processes in 2008
Analysis of: Five Business Process and Application Trends for 2008 | www.cio.com
Author: GLG Expert Contributor
In her "Five Trends That Will Shape The Business Process" report, Leaver and her team detail the five most significant trends in the business process and applications space for 2008. They include: Dynamic Business Applications; Web 2.0 and tech populism; software-as-a-service (SaaS); business process...
Brad FranchiJanuary 25, 2008
The constantly changing definitions and value of HBU lands in forestry
Analysis of: Potlatch to Acquire 179,000 Acres of Idaho Forestland | www.allbusiness.com
Author: Brad Franchi, President, Forest Strategies, LLC.
The designation of forest land as higher and better use, HBU is becoming more important in the valuation of large Timberland transactions.  The definition of HBU has broadened into more nontraditional forestry uses.  Up to the mid-1980s, HBU was pretty much considered to be waterfront properties...
January 22, 2008
2008 Mortgage Outlook: Delinquencies, Foreclosures, Too Much Inventory & New Home Construction Sinks
Analysis of: Existing-home Sales Expected to Fall Again | www.marketwatch.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
2008 isn't shaping up as a good year for the mortgage industry as delinquencies hit record highs, foreclosures reach record levels, builders are faced with too much inventory and in December 2007, applications for building permits fell by 8.1%, which marked the seventh consecutive monthly decline and...
January 18, 2008
NYSE + Amex Equals More Options
Analysis of: NYSE Snaps Up Amex, Ending Long Rivalry | biz.yahoo.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
NYSE snags rival Amex for $260 million in stock to expand its "options" business, which offers higher margins than stock markets. The deal will provide NYSE with additional listings, as well as increase its scale in U.S. options, ETFs, close-end funds, structured products and cash equities. NYSE also...
January 17, 2008
Commerce Bancorp & TD Bank $8.5 Billion Buyout Deal In Jeopardy
Analysis of: Shareholders Sue to Stop Commerce Bancorp Deal | www.reuters.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
TD Bank (Toronto Dominion) agreed to purchase Commerce Bancorp for $8.5 billion in 2007, however, shareholder lawsuits and a suit from its former CEO and a suit filed against his wife and her design firm may be putting the deal in jeopardy. TD Bank agreed to pay a 7% premium over Commerce's closing...
January 15, 2008
AmEx Won't Be the Only Loser As Credit Card Delinquencies & Defaults Skyrocket
Analysis of: American Express to Take Big Charge as Loans Sour | online.wsj.com
Author: Kamala Worthington, Former VP, Marketing Product Manager, Bank of America Corporation
Consumers spent more than $2.5 trillion in 2007 on credit card purchases and cash advances, however, consumers are falling behind on credit card payments at an alarming rate, sending delinquencies and defaults skyrocketing. The value of credit card accounts at least 30 days late rose 26% to $17.3 billion...

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